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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
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HSBC Business account total charges


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Hi, I have 2 business accounts with HSBC that have both had their fair share of overcharging, I am in possesion of all the statements for both accounts.

 

A lot of the charges are listed as "total charges" and I understand that for business accounts this is a combination of non claimable and penalty charges.

 

I receive a breakdown monthly on a seperately posted Summary that just lists these "total charges" debits, unfortuanately I only have around 20% of these total charge breakdowns.

 

My question is if I contact HSBC with a request for 6 years statements will they not just send me the regular statements that I allready have and not the Summaries I need, mayby there is an alternative way for me to get a breakdown of these charges, I looked via online banking and it only shows the total "total charge" not the individual breakdown.

 

Has anyone obtained breakdown of business total charges over the phone ?

 

Cheers hope someone can advise

 

Tony

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I am also claiming for a personal HSBC account, due to my eagerness to get back my dues I have gone straight in for the jugular and sent the LBA by mistake! I was thinking of sending anoter amended LBA in 14 days but then it looks like I am not standing by my threats (14 days or court proceedings begin) anyone have any advice to offer?

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  • 3 weeks later...

Recieved a letter re my personal account from Mr Langdale saying they are looking into it ... yeah right, I resent the lba after adding overdraft interest charges (thanks Vampiress), 14 days till I can file the MCOL...

 

I am having a hard time of getting the breakdown of "total charges" from hsbc for my business account, they sent me copies of statements as I thought they would despite me making it abundantly clear I only wanted the summary of charges breakdown, I have made several attempts to get this info off them, anyone had any luck getting the breakdown off hsbc ?

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Total Charges Saga continues...

 

Visited my local branch end of last week to explain that I had been sent the wrong information last week, they sent an internal mail (which i photocopied) stating that I want breakdown of business account total charges NOT more statements, guess what arrived today ? MORE STATEMENTS !! :mad:

 

Went into bank to ask why they are witholding this information with me and I informed them I had made every effort to get this breakdown of charges and that I believed they were purposely witholding the information, it had been 30 days since my original request and I had copies of all communication, end resullt was the mysterious total charge breakdowns appeared on their screens, am returning in the morning as they are supposed to make copies for me by then.

 

Time for MCOL on the personal tomorrow also so gonna be a busy day, oh what fun :)

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Finally recieved breakdown of total charges for business accounts so now I can proceed with them :)

 

Filed MCOL for personal account today with 8% court interest, am I right in thinking that I can now hold out for the extra 8% if HSBC offer to settle ?

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  • 1 month later...

Time for a long overdue update, all this is regarding my personal account.

 

I sent DG and MCOL a breakdown of charges after the claim was served.

DG defended the claim at the last minute and I recieved notice that the case was being transfered to my local court and that an allocation questionaire has been dispensed with.

 

A few days ago I got this order from my local court

 

"Before DISTRICT JUDGE DUDLEY sitting at Southend County Court

 

Upon the courts own initiative

 

IT IS ORDERED THAT the claim is stayed untill 27 June to be referred to District dge Dudley in paperwork on 27 June "

 

 

I have not sent DG anything apart from the breakdown of charges when claim was served, I added the bit about "discussing overdraft with themselves and the judge in that letter tho.

 

Any advise on what action to take next ? have had a good look around and seen the threads about getting a stay removed becaude DG have requested it but my letter makes no mention of that, just what I have typed above.

 

Am i expected at court on 27th June ??

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Anyone have advice on my previous post pleaseeeee :D

 

I was thinking of sending this nudge tomorrow.

 

Dear DG Sols

 

As you are aware District Judge Dudley of Southend County Court has ordered for this matter to be referred until 27th June 2007

 

I am contacting you again in an attempt to open a serious and sincere dialogue with yourselves to get this matter resolved before wasting any more of the court`s and our time.

 

I would be willing to accept £1750.00 as full and final settlement on this matter, I am sure Judge Dudley will approve of us settling before the hearing.

 

Should you wish to pay the money direct into my account, I will notify the courts the matter is closed.

 

I have again included a schedule of charges for your attention.

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Hi CB, I got a court date yesterday, but letter is at home so cant check wording of it till later. I will check tonight to see if exactly same. I have sent 1 nudge letter on the 12th and had nothing from DG, so now with court date i will send second nudge in a day or 2.

 

You say that DG have asked for stay, but your Quote says 'Upon the courts own initiative' :confused:

 

If that is correct, it sounds like the court is giving DG & you time to settle before court date.

Have the court asked for an AQ or not.

Have a read up on Latties threads.....

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/71343-when-you-have-filed.html

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html

 

Your nudge sems fine.

 

I think you have to be seen to have contacted DG on numerous times to get the stay removed, basically to show you are trying to resolve but DG are not playing.

Good luck, i think we are about at the same stage, and im working on business claims as well but havent filed anything yet, it will happen soon.

 

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi Celicaman

 

The Judge not DG ordered the stay, I think there is quite a few bank charge cases set to be heard the same time, I meant in previous post that I had read other nudge letters that mentioned DG had requested the stay but that does not seem to be the case for me, also I am not sure if I am even expected to turn up on my date as the court order just says

"IT IS ORDERED THAT the claim is stayed untill 27 June to be referred to District Judge Dudley in paperwork on 27 June"

 

All I have sent DG is the breakdown of charges and interest after the mcol was served.

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Hi CB What i got yesterday, is a lot different to yours

 

Got my notice of allocation/directions hearing yesterday.

 

' Take notice that an allocation/directions hearing will take place on the 11th July at ****

When you should attend

20 MINUTES has been allowed for the hearing

Please note this case may be released to another Judge, possibly at a different court.

 

If this my court date, its not quite what i expected it to say

That is all i got , Castlebest reckons its the judge saying nudge DG, i think hes right.

I will forward your thread to him see what he thinks on yours

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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any joy on sorting out what charges are what on statements

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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RE Bank Charges

Only other thing to do, rather than send a total guesstimate which is a bit risky.

If you know how much each item IE cheque/ pay in credit SO & DD costs, List each and work out the costs, whats left is ( should Be ) the charges, the interest i think is always seperate on the statement, so not an issue.

 

At least if you have something close, HSBC can always knock back the ones that are incorrect, but also quite importantly, if you ever get in front of a judge, you could state why & how you have came up with the figures and say that because of the banks refusal/ inability to provide an adequit summary of the charges, you have had to work it out manually, and also Cite them breaking SARS by not providing the requested info, to which they should adhere to.

This might also shake their booty's into making an offer as it cites them as not providing info, yet something else to add to your bow.

 

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi, I have worked out what charges are what on my business account but am not dealing with business at the moment want to get personal account sorted first.

 

I got a breakdown of my business accounts total charges from my local branch.

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Hi CB, i am doing same with business, just waiting & getting a handle on all the things you have to do to process the claim, then i got 3 closed business accounts going back to 1989 to chase after,not including the 2 current business accounts, and im going to try for CI on them all. But of course once i start that little lot i will be asked to change banks, and need t srt ot overdraft & business Credit cards etc. Already just set up a new personal account at a different bank, cos i got a second claim to start on same personal account pre 6 years, so i reckon i will be off this years xmas card list lol

 

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi, I am in the same boat, I have been unable to obtain a breakdown of total charges for my business account. I think I may have jumped the gun though - my case is due for directions on 2nd July. Will my case be thrown out if I don't have this breakdown? How would I go about getting this breakdown now? Would they give it to me over the counter at my local brancj? Hope you can help..........

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Hi, I am in the same boat, I have been unable to obtain a breakdown of total charges for my business account. I think I may have jumped the gun though - my case is due for directions on 2nd July. Will my case be thrown out if I don't have this breakdown? How would I go about getting this breakdown now? Would they give it to me over the counter at my local brancj? Hope you can help..........

 

 

How did you arrive at the figure to put your claim in, you must have had something to send to the bank. As a business you maust have a least your statements.

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Yes, I had my statements which stated "total charges" each time a charge was levied.........

 

What you need is a summary of charges, they usually come before the statement.

Chargeback got his over the counter at his bank, i would do that asap

 

Only problem at this point is that you would have to file an amendment N244 form to amend details of your claim if it is incorrect, i am surprised that the bank have not spotted it and said so, but with so many claims they may have missed it.

 

Plasticpaddy, do you have a thread started with details of your claim on for people to follow

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Plasticpaddy, do you have a thread started with details of your claim on for people to follow

 

CM

 

Ignore that, ive just found you.

having read over your thread, i would still get the summary charges and work out what the real amout should be, i am sure bank will probably make an offer and will remove all the things that you cant claim for. At least if you have your own breakdown you will know if they have taken the correct amout off

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi, ok iv looked at what the Chargeback said and it seems that my friend will have to go into his local branch to get his breakdown of his 'total charges', iv written a letter for him to take in with him to explain what he wants, please can i have your opinion on whether it is ok? Thankyou, here it is:

 

 

Dear Sir/Madam

This letter is to explain clearly what I would like (and am entitled to) from yourselves:

 

I would like a summary of charges that have been applied to my account over the last six years.

You recently sent me six years worth of statements which included all charges against me on my account, a lot of the charges are listed as "Total Charges" and I understand that for business accounts this is a combination of non claimable and penalty charges, I want this complete breakdown of the ‘Total Charges’ on my account.

I know it is within your capabilities to print these off here and now in your branch and I hope that you are willing to help me maintain my business account with you by doing so today. Failure to do this will result in me complaining to your superiors, complaining to the financial ombudsman and me issuing you with a Data Protection non-compliance letter which would result in a county court claim against yourselves.

 

I trust this explains fully what I expect from you today.

 

Yours sincerely,

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I have just been in the same situation, When my statements arrived I noticed the pre notification sheets were missing. I wrote back to the address on the covering letter that came with my statements and asked them to supply them under the oridinal SAR, they arrived in a week. Its also worth noting that your first years banking is free so the Total Charges are reclaimable in full as they only include overdraft charges.

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Hi there, thank you very much for the post, it was very useful!!

Im not doubting you whatsoever but what do you other people think about the fact that the first years banking is free so the total charges are fully reclaimable?? Is it worth claiming this or will this be confusing matters slightly?

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I had a business account for 11 months, free banking means you dont get charged for payments in and out of your account or the monthly service charge which are the only other items in total charges that you cant claim back. I did not have the prenotification sheet so simply claimed the total charges from my statement.

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